I bought my house at the height of the market when I was making good money. Now like many other people it's worth 1/2 and I am no longer making good money as I am in the service industry and people just aren't going out these days. I barely made my payment today and I am worried about next month. I paid $250k. I have a first w/ Countrywide for $200k and a second with Suntrust for $50k. I initially had a heloc w/ Countrywide for the second but I managed to refinance to a regular mortgage with Suntrust. I have no equity. I have excellent credit and am not behind on any payments yet. I hear so many horror stories about how difficult and unhelpful Countrywide is. I am a bit intimidated to even try to do anything myself. I would like to stay in this house, but would also not be against moving if I could find a way to purchase a properly valued house. Any advice from people who know about this stuff would be appreciated.